Dan H asked about liability policies. I have found here in MI., that things are way more expensive than anywhere else I've heard about. A 1 mill/2 mill policy here for snowplowing only runs a minimum of $1000/year. Most were much more than that. If you figure a combo policy of landscaping/street cleaning, then they start at about $1400. Many companies wouldn't even touch me when I mentioned snow removal. They base it on yearly income produced, and the levels I mention are for the bare minimum. This of course is completed operations liability, and is in addition to the commercial auto policy you will need for operations while you are there and actively plowing. I wish I could get it for 300-400 a year as some here can!